BlastPoint's Credit Union Scorecard

GLASS CAP

Charter #13733 · PA

<100M

2556 CUs in <100M nationally 190 in PA

GLASS CAP has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.95% above tier average
+ Net Interest Margin 0.83% above tier average
+ Efficiency Ratio: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.4% YoY
- Indirect Auto Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	4,737 -2.4% YoY-0.2% QoQ	+2.1K	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	84%
Assets	$44.1M +0.3% YoY+0.6% QoQ	+$14.0M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	73%
Loans	$19.0M -9.0% YoY-2.4% QoQ	+$3.2M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	68%
Deposits	$36.1M -2.4% YoY+0.2% QoQ	+$10.4M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.6% +7.1% YoY+8.6% QoQ	+2.0%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 2.5% in tier
NIM	4.8% -2.5% YoY+0.4% QoQ	+0.8%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	53.6% -7.3% YoY-5.9% QoQ	-29.0%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Top 6.4% in tier
Delinquency Rate	1.4% +43.6% YoY+15.7% QoQ	-0.2	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	69%
Loan To Share	52.6% -6.7% YoY-2.6% QoQ	-8.0%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	37%
AMR	$11,621 -2.4% YoY-0.5% QoQ	$-3K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	37%
CD Concentration	8.0% +15.3% YoY+9.8% QoQ	-16.5%	24.4%	15.5%	19.8%	50%
Indirect Auto %	54.2% +4.0% YoY+0.8% QoQ	+40.5%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 2.57%

Peer Median: -

#65 of 2556 Top 2.5% in <100M tier

165

Efficiency Ratio

profitability

Value: 53.60%

Peer Median: -

#165 of 2556 Top 6.4% in <100M tier

397

Total Members

engagement

Value: 4,737

Peer Median: -

#397 of 2556 Top 15.5% in <100M tier

485

Net Interest Margin (NIM)

profitability

Value: 4.78%

Peer Median: -

#485 of 2556 Top 18.9% in <100M tier

609

Members Per Employee (MPE)

engagement

Value: 430.636

Peer Median: -

#609 of 2556 Top 23.8% in <100M tier

Top Weaknesses (2 metrics)

2523

Indirect Auto Concentration (%)

balance_sheet

Value: 54.24%

Peer Median: -

#2523 of 2556 Bottom 1.3% in <100M tier

1947

Loan Growth Rate

growth

Value: -8.98%

Peer Median: -

#1947 of 2556 Bottom 23.9% in <100M tier